Secure your Travel to the USA with the best travel insurance for USA
Even the most medically ahead country, the USA, is not immune to perils such as infections, allergies, injuries, and crime.
However, a mere hospitalisation in the USA can also cost you a fortune because of costly medical infrastructure in the country. Thus, visiting the USA without overseas travel insurance could be a potential risk. Therefore, before heading out for the US, one must always consider buying travel insurance for the USA to safeguard themselves from mishaps.
Go through this informative page to acquire a USA travel guide and detailed information about travel insurance for the USA.
When Can Travel Insurance for the USA be Helpful?
Whether for business, studies or leisure, your trip to the USA can be an enticing experience if you have carefully compared travel insurance to cover you for any perils. Here are a few conditions when travel insurance for the USA can come to your rescue!
Costly Medical Expenses
Developed medical infrastructure of the USA can be a nightmare to your trip budget if you get hospitalised during the trip. Hence, travel insurance for the USA from India can help you by providing health insurance for costly medical expenses.
Loss of Luggage/ Passport
Losing your luggage or passport can be the last thing on your mind while planning an exciting trip to the USA! But, when you lose it after departure, a travel insurance plan from Care Health Insurance can help you cover your loss of losing luggage and other belongings.
Trip Cancellations
Once a trip to the USA gets cancelled due to specified situations, it comes to the non-refundable flight and hotel expenses. In such a situation, travel insurance for the USA by Care Health Insurance can ensure that your finances are not derailed.
Travelling abroad for Studies
If you are a student and are visiting the USA for studies, then the student travel insurance for the USA can be your travel buddy. The student travel insurance plan from Care Health Insurance takes care of unforeseen medical and non-medical emergencies during your term abroad.
Is it Mandatory to Get Travel Insurance in the USA?
No, getting travel medical insurance for the USA is not mandatory. However, it is highly advisable to travel to the country with comprehensive travel insurance, given the high medical cost and risks of encountering a medical or non-medical mishap. Thus, with a US travel insurance policy, you can cover any unplanned expenses that may arise during the travel.
What are the Features of Travel Insurance for the USA by Care Health Insurance?
At Care Health Insurance, we've covered you to make your journey joyous and stress-free regardless of your travel purpose. The benefits of opting for the best travel insurance for the USA are summarised below:
Affordable Premium: Travel insurance for USA from India by Care Health Insurance can be availed at an affordable premium.
Automatic Trip Extension: If you buy travel insurance for the USA from Care Health Insurance, you can easily extend your USA travel insurance coverage for up to 365 days or the maximum trip duration.
Compensation in case of Mishaps: If in any case, an unfortunate incident or accidental death of the insured happens, the plan offers compensation to the nominee.
Complete Protection: Non-medical emergencies such as trip delays, loss of checked-in baggage and other important documents, etc., shall be covered under the travel plan by Care Health Insurance.
Cashless Claim Settlement: The travel insurance for USA by Care Health Insurance comes with a cashless claim benefit through which you can avail cashless treatments in network hospitals.
USA Travel Insurance Plan at a Glance
Before buying travel insurance for the USA, you should always determine whether you need standalone travel insurance, travel insurance for senior citizens or student travel insurance. Further, determine whether you will travel frequently or is it a once-in-a-lifetime visit and then select the most suitable plan. Here are a few things you should know to select the most beneficial plan-
| Description | Explore | Student Explore |
|---|---|---|
| Sum Insured | US $ 10K, 25K, 50K & 100K (Vary according to the premium) | US $ 30K, 50K, 100K, 300K, 500K, and 1000K |
Trip Options
| Yes Yes | There are fixed policy tenure options of 1 to 24 months available under Student Travel Plans. |
| Entry Age (Single Trip) | Minimum: Child- 1Day, Adult- 18 Years Maximum: Child- 24 Years, Adult- Lifelong | Every fixed-tenure policy involves the same eligibility criteria- Minimum: 12 Years Maximum: 40 Years |
| Entry Age (Multi-trip) | Minimum: Child- 1Day, Adult- 18 Years Maximum: Child- 24 Years, Adult- Lifelong | Minimum: 12 Years Maximum: 40 Years |
What is Covered Under Travel Insurance for USA?
When an unprecedented mishap happens, you are unlikely to have the means to deal with it efficiently in a country abroad. Here, your overseas travel insurance for the USA will come to your rescue. Below are the inclusions that Care Health Insurance’s travel medical insurance provides:
Hospitalization Expenses: We cover your expenses in case of emergency hospitalisation due to illness or injuries and compensate for the treatment of pre-existing diseases under life-threatening conditions.
Daily Allowance: At Care, we compensate a specified amount as In-patient Care for up to 5 consecutive days of hospitalisation.
Personal Accident: We will indemnify in the event of the insured person's death or Permanent Total Disablement (PTD) due to accidental injury during the period of insurance.
Trip Cancellation & Trip Delay: Trip hiccups such as trip cancellation and trip delays are beyond anyone’s control, but with our travel coverage, you can meet any essential expenses arising from the setback.
Loss of Passport & Checked-in Baggage: We may not get your passport or luggage back, but we sure can cover the loss under our travel insurance for USA, if the loss meets the subject of terms and conditions.
Baggage-Delay of Checked-in Baggage: We will reimburse you for the belongings in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.
Compassionate Visit: If you are travelling alone, encounter an emergency hospitalisation and need a companion from the home country by your side, your travel insurance from Care Health Insurance can come to be of help. In such dire situations, your travel insurance shall reimburse a family member's economic class ticket fare for the shortest route of travel.
Covid-19 Coverage: If you get insured with a travel insurance plan for the USA by Care Health Insurance, you get coverage for the expenses incurred due to covid-19 infection. To know the complete details of the coverage, please refer to the plan brochure of travel insurance for USA.
What is not Covered under Travel Insurance for USA?
It is always wise to determine the policy terms to understand the exclusions and be informed. Following are a few general exclusions under the USA travel insurance policy:
Drug Misuse: Any mishaps resulting due to the involvement of alcohol or drug misuse shall not be covered in the travel insurance plan.
World War: Any losses, whether medical or non-medical, that occur during the course of a national or international war or nuclear war shall not be addressed to claims in the travel insurance policy.
Self-inflicted Injury: Injuries or medical emergencies caused due to self-harming activities such as suicide attempts shall not be indemnified in the plan.
Hazardous Activities: Any claims involving accidents due to hazardous activities such as fire stunts or activites that are not mentioned in the policy’s brochure or prospectus shall not be covered in the travel insurance plan.
Breach of Law: Expenses such as liability or injury shall not be covered if they are addressed as a “breach of law” under the rules and regulations of the destination country.
Dental Treatment: Any planned dental surgery shall not be reimbursed unless made necessary by a doctor due to acute pain.
*Refer to the policy documents for more details on exclusions.
What is the Premium of the Travel Insurance for the USA from India?
A travel insurance premium calculator can help you easily calculate the travel insurance plan for the USA. The premium that an insured person must pay will be based on various factors, including the age of the traveller, the country they are travelling to, trip duration, and the type of coverage selected. Travel Insurance offered by Care Health Insurance is a budget-friendly plan to suit all the insured's needs. Our travel medical premium for the USA starts from as low as Rs. 822* for a single traveller on a 7-day trip.
For instance, if you are travelling from India to the USA for 7 Days, a one-time visit, the approximate premium cost of your travel insurance with a sum insured of $50k is calculated as below:
| Insured Member(s) | Age | Any Pre-existing Disease | Sum Insured | Policy Duration | Premium Amount (approx.) |
|---|---|---|---|---|---|
| 1 | 30 years | No | $50, 000 | 7 Days | Rs. 822* |
*The above-mentioned travel insurance premium is calculated keeping in mind that the insured members have not been diagnosed, hospitalised, or undergone any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.
Factors Affecting the Premium of USA Travel Insurance
When selecting travel insurance for America, you must ensure that the plan suits your requirements without derailing your budget. Here are the factors to be considered:
- Nature of the Trip: Whether you are travelling for leisure or are a frequent flier, the nature of the trip greatly affects the plan’s premium. Frequent fliers should opt for multi-trip plans; others should go for a single-trip plan.
- Trip Duration: The trip duration also affects your plan's premium. More the number of days to be travelled, the higher the premium.
- Medical History: Any pre-existing disease or serious ailment may increase the policy’s premium. So, if you have any serious ailment, ensure that your international travel insurance for the USA covers it.
- Check the Coverage: Deeply evaluate the coverage section to know what is covered. Remember that more coverage means a higher premium. It is advisable to go through the policy’s fine print beforehand.
- Review the Exclusions: To avoid any surprises while claiming your policy, always read the plan's exclusions and accordingly plan your budget.
- Know the Claims Procedure: Make sure you know the procedure to notify the insurer and file a claim.
>>Check: All About Multiple Trip Travel Insurance & Single Trip Travel Insurance
How to File a Claim Under the Travel Insurance for the USA
Claim settlement team at Care Health Insurance ensures that you do not have to go through unnecessary rejections while filing a claim. The team also ensures that you get appropriate answers for rejections if there are any.
Types of Visas for the USA
The purpose of your travel and other facts will determine what kind of visa is required under U.S. immigration law. When you apply for Visa at a U.S. embassy or consulate, they will determine whether you are eligible to receive a visa according to law. Below are the types of Visas available for visitors to the USA:
Nonimmigrant Visa
- Student: Academic and Vocational,
- Specialty occupations in fields requiring highly specialised knowledge,
- Tourism, vacation and pleasure for visitors, and more.
Immigrant Visa
- Spouse of a U.S. Citizen,
- Spouse of a U.S. Citizen awaiting approval of an I-130 immigrant petition,
- Fiancé(e) to marry a U.S. Citizen & live in the U.S, and more.
How to Apply for US Visa?
To ensure that you do not get rejected while applying for a visa to the USA, it is crucial that you abide by all the rules and regulations of applying for a visa. By following the below-mentioned steps, you can ensure a successful visa application:
- Step 1: Choose the type of Visa you wish to apply for.
- Step 2: Fill in the non-immigration visa application form.
- Step 3: Pay your US visa application fee online.
- Step 4: Schedule your visa interview with the embassy.
- Step 5: Compile the documents file and ensure every document is in place.
- Step 6: Attend the visa interview.
- Step 7: Wait until your visa processing starts.
Important Facts about USA
| Specifications | Facts |
|---|---|
| Places to visit in USA | Empire State Building, Statue of Liberty, The Chrysler Building, Central Park, The High Line, Times Square, 5th Avenue, Broadway and many more. |
| The ideal time to visit USA | September-October. |
| Currency | USD |
| Indian Embassy in USA | Consular wing address- 2536 Massachusetts Avenue, NW Washington, DC 20008 Chancery Address- 2107 Massachusetts Avenue, NW Washington, DC 20008 |
FAQs on Travel Insurance USA
Q. Should I buy travel insurance from India or USA?
While visiting the USA as an Indian visitor, it is crucial that you buy travel insurance for the USA from India. Once you depart from India and cross borders, you become ineligible to buy travel insurance.
Q. What is the best travel insurance for USA?
The best travel insurance for the USA can be described as the one that fits all your medical and non-medical needs at an affordable premium. At Care Health Insurance, we provide customisable travel insurance plan up to the last minute to secure your trip to America your way!
Q. Is Travel Insurance Worth it in USA?
As an Indian tourist on B1/ B2 visa, buying a travel insurance plan to visit the United States is not mandatory. However, keeping the medical inflation and the costly difference between the currencies of India and the USA in mind, it is crucial that you remain covered for any unforeseen mishap.
Q. How much does US travel Insurance Cost?
At Care Health Insurance, the premium cost of US travel insurance may vary depending on various factors. The lowest premium for a 10-days trip may start from as low as ₹822.
Please note that this premium may vary depending on the number of travel days, coverage, and the number of people insured.
Q. Do travel insurance plans cover coverage for expenses incurred due to Covid-19?
Although the travel health insurance for the USA from India does not cover the expenses incurred due to covid-19, you can add up additional coverage by customising the plan at the time of buying the plan.
Q. Is travel insurance mandatory in the USA for students?
No, a student doesn't need to possess student travel insurance for the USA. However, a plan with extensive coverage can greatly help in an unprecedented crisis.
